Real Life Budgeting: How to Budget for the Year

[@CashIntoEnvelopes]

Hello Melissa! A yearly budget overview is great for planning! One gets to make adjustments if there is a deficit or something you know you "definitely" will not have/do in the upcoming year! Thanks for sharing!

[@BudgetStuffSaveRepeat]

Thank you!! I really like having the overall financial picture…it really does help me pivot without much heartache!! I greatly appreciate you being here💕💕💕

[@lifestylemakescents]

Heyyy Melissa! Hope your week goes great and yes, this is necessary….Thank you for sharing!🎉🎉🎉🎉🎉

[@BudgetStuffSaveRepeat]

Thank you Melissa!! I think we assume that everyone knows how to budget… but I physically had to Google it when I was starting out!! It makes complete sense now, but you don’t know what you don’t know!! I greatly appreciate you being here🥰🥰🥰

[@faithbydesignXO]

Morning Melissa, Happy Monday!! Thank you for sharing your yearly budget! You are so sweet to include the google spreadsheet! I plan on trying this out!! Budgeting really is so freeing. Thanks Sis! 💜🌻🌷

[@BudgetStuffSaveRepeat]

Thank you Imani!! I really feel passionate about showing people how to budget… I know there are more than one way to do it, but I want people to figure out what that way is for them!! I think it is assume that all people know how to budget but when I think of my journey and I heard Dave Ramsey say set your budget I had to go and seek out what a budget looks like… and then there were some that made me feel bad because I didn’t have investment I was on the debt side… but ultimately, I found a start where you are approach… This approach helps me to keep the blinders on and not compare myself to anyone… I’m dealing with what is in front of us!! These videos produce lower views, but I am so excited for the handful of people that needed this video and has embraced it!! I am so grateful for you and your support🥰💕💕💕

[@FiguringOutRetirement]

Hi Melissa! Thank you first sharing your budget. Your method is really easy to understand. While watching your video, I thought that simple budgeting should have been a mandatory class in high school back in the day!

[@BudgetStuffSaveRepeat]

My pleasure!! I agree with you … I have an accounting degree and it didn’t come with any personal finance classes🤷🏽‍♀️🤦🏽‍♀️ I think it’s assumed that we all “should” know, but how would we? I really do think we have to be shown a lot or we have to seek out the information… either way we’re looking to be shown!! I’ve gotten some really good questions that I know some would think are simple but I’m glad those people felt comfortable enough to ask!! I greatly appreciate your support always!!

[@DeidresBudgetingJourney]

Happy Monday Melissa! Thanks for sharing your process with us. Very easy method to follow. 💕

[@BudgetStuffSaveRepeat]

Thank you Deidre!! I’m glad to hear it was easy to follow. You know how something is easy to you but then when you try to explain it to someone else you feel like you’re fumbling over your words? I like simple.!!

[@a2zbudgets101]

We appreciate the google drive you shared. Thanks for helping us, Melissa... This was very informative🧡🧡🧡

[@BudgetStuffSaveRepeat]

My pleasure…I’m not creative like most of you, but I’m glad I could share this with the community!! I appreciate you Shon!!

[@GardenHands]

Another great video. I love that you clearly shared your process for planning out the year. Easy to follow. I read through all your comments so far and it was mentioned several times that younger people should know this, but you often see/hear they don't. I think that's a huge point! I have new teenager and I think I'll start bringing her along as I work on our annual, monthly and paycheck budgets. With everything so digital these days, we don't really deal with a lot of physical cash in our house and this could be a huge life lesson for the kids. Thank you!

[@BudgetStuffSaveRepeat]

Absolutely!! I talk about money openly and freely with my children!! They both receive an allowance and have savings challenges, binders… I’m trying to teach them to save a little before they spend it all!! The more you share your money process with your kids the better you’re preparing them when they have to do it on their own!!! Being a parent is a lot of work and takes a lot of intentionality… sounds like you’re doing a great job!!! I greatly appreciate you being here!!!

[@Frugalityislife]

Hi Melissa, A yearly budget is really informative and gives a holistic view. Thanks for sharing and making it very easy to understand ❤😊

[@BudgetStuffSaveRepeat]

My pleasure!! I think if we all share our methods, it gives people options and we can really help each other!! Some have indicated that they will give it a try!! I greatly appreciate you being here Fiona!!

[@ITSKARENBABY]

Melissa! I absolutely love this , it helps me to understand my budget more and make a plan and I think now I definitely want to plan for the year , I am definitely going to be working on this these next few weeks. Thank you love❤

[@BudgetStuffSaveRepeat]

Thank you sis!! I really like to see the overall financial picture…it helps me to pivot without much heartache!! I know you are killing it over there…you started paying extra in your mortgage right out the gate 🙌🏽🙌🏽🙌🏽🙌🏽 I’m glad you’re still on this journey with me💕💕💕

[@613Cris]

I like how you budget for next year. Even if I don't make that much or have the amount of wiggle room, my forst step was to write down my known expenses for the year, by month. I have annual subscriptions that are spread out through the year, but saving for them now eliminates any scramble for the money. I know when the birthdays are and the holidays. Car registration. Having that money already set aside for next year is really helpful. Having the plan means I am not constantly making decisions. I already made the decision, and I trust my judgement.

[@BudgetStuffSaveRepeat]

Absolutely!! This is exactly the point… you get it!! I think some people feel restricted by the plan but the plan actually helps clear some space mentally!! be able to plan out things you already know are coming is definitely the key to success!! so much for sharing your planning and thought process with me!! I greatly appreciate you being here🥰🥰🥰

[@budgetfor5withstephanie]

Hi Melissa, thanks for sharing this and the spreadsheet! Makes perfect sense! It can def help give an idea of where you can make adjustments for the things that are coming up in the future and prioritize your goals!

[@BudgetStuffSaveRepeat]

Yes, it’s definitely gives a better overall of our whole financial situation!! Plus I can look forward to see when something can be adjusted and when I need to save more to cover something that’s gonna be upcoming!! I greatly appreciate you being here!! Thank you!!

[@bajan_girl_budgets]

Hey Melissa 🌺 Catching up on my videos today! This accountiblity video is awesome and truly right on time for me! I, myself have done an assessment for this past QRT to see what I need/want to accomplish by the end of the year... This was super motivating!

[@BudgetStuffSaveRepeat]

Thank you Kimmy!! Yes, I like to look at the overall picture as much as I can!! It really helps me to pivot without much heartache!! I greatly appreciate you stopping by💕💕💕

[@jessibudgets]

Hi Melissa 💜what are you talking about, this topic is SUPER exciting and LOVE to see a yearly budget!! Your organization is 😍also cant believe how close you are to retirement, seriously so jealous!

[@BudgetStuffSaveRepeat]

Thank you Jessi!! These videos usually get the lowest views for me but I know people who really are being intentional will find it!! I love that we share information in this community!! I’ve learned so much and have saved more than I ever did before!! I appreciate your excitement on the topic…I get excited too!! I really do appreciate you friend!!

[@richardsmith2890]

Hello Melissa. Great video and fair play on sharing such personal information with us nosy people. I hope you had a great weekend and have a great day and week.

[@BudgetStuffSaveRepeat]

Thank you Richard!! Have a great day friend!!

[@denysejones4716]

Yay the video I’ve been waiting for😊

[@BudgetStuffSaveRepeat]

Thank you Denyse!!

[@Savvyover50]

Hi Melissa. Thank you for sharing. Your budget sheet looks simple. Thank you for sharing it

[@BudgetStuffSaveRepeat]

My pleasure!! I definitely like to keep it simple🤣🤣🤣 that’s why I told People I’m a lazy investor too… I put most of my money into my 401(k) and real estate!! I know there are more aggressive ways to earn so much more money, but I like to keep it slow and steady and simple!! I greatly appreciate you being here🥰🥰🥰

[@indiakbudgets]

Tuning in before work! 🎉

[@BudgetStuffSaveRepeat]

Thank you friend!! Have a great day!!

[@budgetsaveshare6313]

Thanks for this, Melissa! I've never done my budget for an entire year.

[@BudgetStuffSaveRepeat]

My pleasure!! Once I started looking at the big picture. It really helped me to reach bigger goals…. We gotta find the method that works for us and I’m happy to share mines just in case it can help someone else.!! I greatly appreciate you being here, Angie🥰🥰🥰

[@rosbudgetlife3324]

Hey Melissa thank you for sharing, your budget sheet is easy to follow along with ❤

[@BudgetStuffSaveRepeat]

You are so welcome Ro…thanks for asking for it…it pushed me to get it done!! I appreciate you!

[@KnightLyfe]

Thank you Melissa for sharing this. It is so helpful.

[@BudgetStuffSaveRepeat]

My pleasure!! It appears that some will give it a try!!

[@BudgetingwithTracey]

Hey Melissa, thanks for sharing 😊😊

[@BudgetStuffSaveRepeat]

My pleasure!! Thank you for being here!!

[@nineblossoms]

Hi Melissa! 💜This is so helpful and I viewed the google doc, thank you so much for sharing! It will be so helpful! The stepdown idea is great, getting yourself in the groove so that change is not a "shock" Awesome video! 😊🌺🐝

[@BudgetStuffSaveRepeat]

You’re welcome Jeannine! I appreciate you checking out the google doc!! Yes, I don’t want any excuse on why I’m not retiring! There’s a lot of unknown in this world, but when there is something I do know, I’m going to plan for it!! I greatly appreciate your support💕💕💕

[@nineblossoms]

@@BudgetStuffSaveRepeat that’s the best way to be! ☺️💜

[@budgetlifewithpaula1670]

Melissa this was soooo helpful!! I am going to use your document in the description and start working on next year’s budget. I have a few new categories in my budget and I would like to plan ahead for them! I really appreciate all of your advice and help!💖🌸🌺

[@budgetlifewithpaula1670]

Also Melissa I downloaded your spreadsheet but needed to add an extra column as I receive 3 incomes monthly but I think I messed up the formula. 😔 can you help me?

[@budgetlifewithpaula1670]

Okay Melissa, I think figured out a work around. I just added my extra income (which is the exact amount each month) to one of my paycheck dates. I think it will work. Thanks again for this!!

[@BudgetStuffSaveRepeat]

Hiiiiiii Paula!! It’s SO great to see your comment!! I hope all is well!! I’m still using your challenges!! You’ve been missed💕💕💕 I’m glad you found a work around, but I would gladly add rows and columns and format that spreadsheet if you want to start talking off line! My email is in the description box!! I’m SO happy you’re back…a little🥰🥰🥰

[@budgetlifewithpaula1670]

@@BudgetStuffSaveRepeat Hey Melissa, I hope you are having a great week so far! I was able to add rows to fit the upcoming categories. I also froze rows 1 & 2 as a header for me when I scroll down! I really do appreciate you sharing this document with us!!💖💖

[@ItsDee.]

Hey Melissa!! Thanks for being so transparent, I wasn't expecting that lol. I really do like the format and will be using to log my budgets for 25. I can't do yearly income since it is so variable but will make it work for me. So simple but effective 🤲🏽🤲🏽💃🏽💃🏽

[@BudgetStuffSaveRepeat]

Thank you Dee…I really wanted to help somebody… share my budgeting sheet before…. I think we assume everyone knows how to budget… but I am realizing that more than not people need to be shown. I think about my own experience with finances…. It took Dave Ramsey saying the word budget before I went to look up what a budget should look like.!! People know what the words mean, but I don’t think they have a visual in their head that moves them towards action!! It’s funny too, that people think it’s math and that scares them… I wanted to show them that it is first grade level math…. Not even new math.🤣🤣🤣 I feel blessed that someone will try it and I’m hoping even if they don’t like my method, they will finagle it enough that it fits them perfectly!! Definite, I’m definitely in the season of working smarter not harder so simple is exactly where I want to be!!

[@ItsDee.]

@@BudgetStuffSaveRepeat I got tired of being broke lol. I remember using my banks budgeting option and it transformed from there. I had a bad shopping for clothes addiction haha. I recently had someone tell me I have been helping them and it was so refreshing that I am actually helping 🤲🏽🤲🏽

[@aprylweightlossjourney]

Morning sis, thank you for this...I'm definitely gonna try this and that's so sweet to offer your help😘

[@BudgetStuffSaveRepeat]

Thank YOU April!! I’m definitely a budget nerd and I love seeing people win with their finances!! I hope you have a lovely day, friend💕💕💕

[@TheALMOSTOrganizedOwl]

Sis!!!!! This is AWESOME!!!!! As you were talking, I was saying to myself I definitely want this spreadsheet, and you linked it. THANK YOU SO MUCH!!!!! 🎉🎉🎉

[@BudgetStuffSaveRepeat]

I’m so glad to hear this!! I really do want to help people with their budgets because I feel like it’s the singular thing we can do to help our finances!! there’s a budget in this community that meets with women at her house and they budget weekly or monthly, and that has inspired me so much… I would love to do that in my community after I retire! we have small groups at my church and I’ve been thinking about starting a budgeting group to see if people are even interested!! I feel so proud that something I didn’t know would help people is actually helping others!! I greatly appreciate your support Nita!!

[@TheALMOSTOrganizedOwl]

@BudgetStuffSaveRepeat Oh YESSSS!!!! I think your church family would DEFINITELY appreciate having a group to discuss budgeting. Even a mini workshop or something. I know once I get better at this, I would like to share it with our church fam too! It really can be life changing. Thank you again for inspiring so many of us!!!💜💜💜

[@blessedbudgetsbyAbigail]

Beautiful ideas ladies. Please do it because we definitely also need it in the Church 🙏🏾

[@SaveNStuffwStephanie]

I love this idea and thanks so much for sharing the google doc sample. Now I want to go digital for 2025❤

[@BudgetStuffSaveRepeat]

I feel like I’m a hybrid of digital and paper🤣🤣🤣 I update the Excel sheet, but I definitely still print it out 🤣🤣🤣 I like to write on it and take notes and updated as needed!! Thank you so much for being here!!

[@lolethawoods786]

Happy Fall Melissa 🍁 🍂

[@BudgetStuffSaveRepeat]

Happy fall Loletha!! Have a great day 🥰🥰🥰

[@donnajo82763]

I do and annual budget because my hubby's SSI changes with the cola increase each year. I like to see what I have to work with for the following year. Love Ya Hugs my friend. 🤗🤗💚💚

[@BudgetStuffSaveRepeat]

That’s awesome Donna!! I manage my mom’s finances and she’s about to start her Social Security… she’s currently working and receiving a pension… but I’m glad to hear I’ll be able to foreshadow her income on a yearly basis!! Thank you so much for sharing this with me!! I love you, dear friend💕💕💕

[@100gjones]

Welp I’ve got some work to do! Thank you again and again for the motivation. I really appreciate your economic expertise.

[@BudgetStuffSaveRepeat]

My pleasure!! I think I assume that we all know the same thing, so I hesitate to make these videos. I’m glad you got something from it!! I really love to see people winning with their finances!! I greatly appreciate you being here💕💕💕

[@CruzBudgets]

Good morning Melissa!! Catching up with you this morning. Wow! Thank you so much for sharing your budget. You have taught me about things I would have never thought about. Thank you so much for the spreadsheet. I just received a ssn statement and it gave me a breakdown on how much I’ll make once I retire and I’m not liking it. Thank you for this ❤ 16:05

[@BudgetStuffSaveRepeat]

My pleasure Kathy!! I love that we share information in this community! I’ve learned a lot too and I save much more than I ever did!! The best part is that we all are being intentional with our finances…that will serve us well!!

[@a2zbudgets101]

Hi Melissa! Here catching up on this great topic..❤❤

[@BudgetStuffSaveRepeat]

Hey hey Shon!! Thank you friend!!

[@SimplySaraSaves]

I love the concept of a yearly budget. It would be good for me to break it down like this. Hmm 🤔 Ty for sharing this ❤❤❤ I’m definitely going to be using that template ❤❤

[@BudgetStuffSaveRepeat]

Yay!! I hope it works well for you!! When I see the overall picture it gives me ideas of areas. I want to cut an areas that I absolutely should not cut!! I really appreciate your kindness and the support you have given me💕💕💕

[@yajairadetodounchin6620]

Hello thank you .😊

[@BudgetStuffSaveRepeat]

My pleasure!! I appreciate you being here🥰🥰🥰

[@AtHomeintheSun]

This is super helpful, Melissa!

[@BudgetStuffSaveRepeat]

Glad you think so! Thank you SO much for being here!!

[@magicalbudgets626]

This is great. I budget monthly but yearly would help too. I teach so I'm only paid 10 months and have to plan for the summer.

[@BudgetStuffSaveRepeat]

There was another budget or who was a teacher that used to do savings challenges for the summer months… you definitely have to be more intentional about what you’re saving so you can cover the two months you don’t receive income!! I greatly appreciate you being here💕💕💕

[@lizattemps2]

This is a great idea!thanks for the video. I should be doing this as well. I’ve always felt overwhelmed by the idea of doing everything for the whole year but it gives complete clarity for what is expected.

[@BudgetStuffSaveRepeat]

Absolutely Liz…seeing the overall financial picture helps me to pivot without much heartache!! I’m so glad that you see some value in this video!! I greatly appreciate you being here💕💕💕

[@lizattemps2]

@@BudgetStuffSaveRepeat 💕

[@DrewsDollars23]

Love this! Another Great One!!

[@BudgetStuffSaveRepeat]

Thank you Drew!! I appreciate you watching!!

[@PansyBudgets]

Hi Melissa! Thank you for the video and all the info! Can you explain 529 in a video please. I love your nails🩷

[@BudgetStuffSaveRepeat]

Hi Pansy!! Thank you SO much for being here!! A 529 plan is an investment account specifically for your children’s education!! I have my videos planned out pretty far… but I have empty space in November so I will start gathering some information and do a real life budgeting video on the 529 the 401(k) and a Roth IRA!! I greatly appreciate you being here!!!

[@Mah_fb]

Thank you so much, Melissa! I enjoy this kind of video very much! Nobody teaches us this kind of thing, and it's so valuable! I'll be organizing my budget for 2025 next month, and your insights and budget style will greatly help! Girl, you're so close to retiring...when the time is right, please share what are your plans for life after work! What do you consider 'allowance'? Thank you for the Google Drive! I appreciate it 🎉 I'll work on that! Organizing and managing my finances have been life changing. Awesome video 🎉🎉

[@BudgetStuffSaveRepeat]

It’s my pleasure!! you’re right personal finance should be a class that we have to take in high school… that is why I’m trying to give my children a hands-on experience!! Honestly, I don’t have plans for after retirement … kiddos will be 10 and 14 so I just wanna do the whole stay at home mom thing!! I might even put a little bit more attention into this KZbin channel. So our allowance is the amount of money that we can just blow every two weeks … right now we get $600 each and we’re supposed to cover our own gas for our vehicle!! And this way, he doesn’t have to ask me for certain things and I don’t have to ask him for certain things we both work but we’ve agreed to limit how much we’re going to spend or can spend every two weeks.. . As you can see on my channel I’m more of a saver so I save my money a lot of of it anyway for most of the year and then I have a lump sum at the end of the year… my husband is not like that at all, but he has what he wants!! I greatly appreciate you being here💕

[@myangelsam519]

Hi Melissa, listening to you while I drive to work. Thank you for sharing your method. 😊 Have a beautiful day my friend ❤

[@BudgetStuffSaveRepeat]

My pleasure!! it seems like people have received it well and some might even try it!! I honestly just wanted to share what has worked for me and I love if it will actually work for someone else!! I think we all assume that we know the same things, but I’m learning that some people have to be shown and even I had to seek it out because I wasn’t taught at home or school!! I hope you had a lovely day Frances! I greatly appreciate your constant support💕💕💕

[@myangelsam519]

@@BudgetStuffSaveRepeatI saved your template 😊 Thank you

[@kaystayonbudget4651]

Melissa❤ this was a worth waiting for video 😊 everything makes sense and I love how you budget for the whole year . Amazing method and easy to follow along . Thanks for always sharing your tips Melissa ❤❤❤

[@BudgetStuffSaveRepeat]

Thank you Kay!! I really do try to keep it simple… and work with what we actually have!! Good and I think people will try this method out… either way I think it’s good that people are writing down what they have minus what they have to say… it’s the road to financial success!! I appreciate you being here!!

[@gentlecharmbudgets]

Thank You so much for my Birthday Card you are the sweetest

[@BudgetStuffSaveRepeat]

You’re welcome!! I’m so glad it arrived safely!! I hope you had a wonderful birthday💕💕💕

[@gentlecharmbudgets]

@@BudgetStuffSaveRepeat I did and you just made it more special

[@budgetwithfatima6530]

First ❤❤❤❤, great video.

[@BudgetStuffSaveRepeat]

Thank you Fatima!! Have a great day!!

[@gentlecharmbudgets]

great video

[@BudgetStuffSaveRepeat]

Thank you Heather!!

[@izzybreezybudgets]

I do about the same! Great video

[@BudgetStuffSaveRepeat]

Awesome! I’m glad to hear that Izzy… I’ve been getting more of a year is too much to plan out!! Ultimately we all have to find what works best for us!!!

[@shecanbudget1170]

Great video 😊 I'm looking to step my salary down for the same reason. From January I will be cash stuffing a lower amount & saving the difference into an annual bills account (so that I have to find less money in the early stages of retirement & it can earn me some interest in the process) xx

[@BudgetStuffSaveRepeat]

I actually think this is a great plan… and I don’t hear people talking talking about it too much!! The same thing when I start getting my pension check once a month… I think I’m going to only move half of it and then “pay myself” the second half of it in the middle of the month!! I’m not used to getting paid once a month so I want to create systems that will allow the transition to feel easier!! Next year, I’m going to have that include what I’m doing with the money that is being set aside!! Thank you Caro!! I love having someone to talk to about this!! Have a wonderful day🥰🥰🥰

[@shecanbudget1170]

@@BudgetStuffSaveRepeat it's a good idea to pay yourself in retirement the way you're used to getting paid during employment. There will be numerous transitions that you will have to make & you won't be aware of all of them until you get there! As you know, I'm looking to retire early & I know that my pension won't become due for a while after I retire...so I'm building the buffer I need for that. So far I've got 2yr of annual bills, 1 Christmas & a couple of 1-off expenses (such as glasses & driving licence renewal) already funded...so I have less to worry about in that transition / limbo period 😎 The more I fund now, the sooner I can retire! xx

[@amanda.4.5.6]

I love this!!!!! I’m gonna give it a try. Question do you update monthly budget sheets with the exact amount of pay as the paycheck roll in?

[@BudgetStuffSaveRepeat]

Yes, I do update my spreadsheets with the actual numbers… and I re-allocate any Surplus!! I try very hard to balance out the budget before the year so I know automatically I’m gonna have a surplus because my income is understated… this gives us an opportunity to pay off debt or to save!! I got my electric bill for October and it is $115 less than what’s on our 2024 budget so I’m going to move Surplus to an extra mortgage principal payment!! Thank you so much for being here and asking the question!!

[@ElleBPlans]

I was just explaining that it is time to start the annual budget for 2025. Thanks for sharing your process. I do have a question, where wouldd you account for extra money like bonuses or refunds?

[@BudgetStuffSaveRepeat]

So I wait until I receive notice of the bonus or refund in writing before I start planning! I usually spend it on paper (or excel) before I receive it and/or start physical spending it! For example, we received a $2000 state tax refund this year-we decided to just split it so that we could each go on a solo trip with our friends. However, my husband‘s bonus was about $12,000…. We listed projects we wanted to complete and that we wanted to pay…. We also decided how much we wanted to save… once the money arrived. I simply went to that paper and followed the plan we set out. I think the important thing here is just to make sure you have a game plan before you start spending… and part of the game plan could be just to blow some of the money!! I greatly appreciate you being here and thank you for asking the question!!!

[@indiakbudgets]

Very informative. I need to find a video that explains 401k and all these things. I don’t even know what a 529 is. And I also need to increase my income. Haha 😂

[@TrishaAnderson926]

A 529 is a college savings plan that parents can put money into to save for college expenses.

[@indiakbudgets]

@@TrishaAnderson926 thank you so much. I have a son so I was wondering. He just has a savings account. So maybe I need to start that 🎉

[@BudgetStuffSaveRepeat]

A 401(k) is a workplace retirement plan that allows you to make annual contributions up to a specific amount… usually you wouldn’t be able to withdraw from these accounts until you are 59 1/2. The key point here is your employer has to offer you a 401(k). A Roth IRA (individual retirement account), is a retirement plan that you can set up without having an employer!! The 529 is simply a savings account for your children’s college… you can call your local bank to set up the Roth IRA or the 529. However, the company that I use for my 529 ask me if I had a retirement fund before they would be willing to set up my 529.!! Asking the question! You can start your Roth or the 529 with as little as $25!! I greatly appreciate you being here!!!

[@budgetwithem23]

Every time i try to budget for a year my head spins😂

[@BudgetStuffSaveRepeat]

I understand that…I never do it in one seating…I chip at it for months!! Thanks for watching!!!